So...You want to lower your processing fees or maybe you want to begin accepting credit cards without falling into the myriad of pitfalls and money draining traps that most businesses unknowingly end up in.

Well, you have 5 options...

Option #1 - Do Nothing.

That's right, nothing! Sounds crazy but would you believe this is the road most traveled? You can expect the unsettling feeling of not being 100% certain that this cost has been minimized. Our research shows that on average a small business owner lets the equivalent of two family Hawaiian vacations seep out of their take home pay every year.

Option #2 - Shop For a New Processor.

You can expect to spend 4 to 6 hours researching, gathering proposals, and sitting through sales presentations. The best case scenario is that the competing processing companies undercut your incumbent processor just enough to make you want to move, yet you'll still be leaving money on the table because their primary objective is to maximize their margin. Since the other side will know more about the intricacies and nuances of credit card processing than you, you should expect poor to mediocre results at best but with a false sense of having shored up this cost. Until you know as much as the other side, you can expect to pay more than you should.

You should expect no help from your processor with identifying and correcting transactions that could qualify for more favorable Interchange. Don't expect your processor to identify alternative payment methods that could save you money because that would be a conflict of their interest. Unless you regularly keep up to date with the payment industry trade journals, association trade shows, and emerging industry news, you can expect opportunities for increased savings and efficiency to pass without being noticed.

Option #3 - Call Your Processor and Beg For Mercy.

At which point, they'll probably give you a "rate review," and most likely only offer you a small rate reduction. For instance, if your processor is making $800 in profit each month from your account, expect them to cut your costs by about $50 or $100 per month, still leaving over $600 per month unknowingly leaking out of your business that you could have gotten back if only you had knowledge of their break even costs, mark up and inside industry pricing tolerances. Although you will have unknowingly left a fortune on the table you should still expect your processor to try to convince you that you have a "really good deal" now.

As with shopping for a new processor, you should expect no help from your processor in optimizing your Interchange qualifications. Unless your processor stands to profit from it, don't expect any unbiased consideration or advice that includes alternative payment methods or emerging technologies which could add even more savings and efficiency to your business.

Option #4 - Learn How To Do-It-Yourself.

  • The pricing terms you must insist on and why.
  • The tricks of the trade that the processors don't want you to know.
  • How to qualify for the most favorable Interchange categories.
  • The 4 deadly downgrades and how to avoid them.
  • Special reduced Interchange programs that your business may qualify for.
  • The litany of junk fees and how to avoid them.
  • Common pitfalls that most merchants find themselves in.
  • And more...

One-on-One Coaching & Instruction for the Do-It-Yourselfer

What you need to know and do to minimize your merchant account fees.

  • Review of your specific business.
  • 1-hour strategy call.
  • Review of your specific savings potential.
  • The best pricing, and what you need to do to get it.
  • Documents you will need.
  • Interchange analysis & advice specific to your business.
  • Alternative payment method feasibility review.
  • Pitfalls to avoid.
  • Access to 3 additional hours of consulting.
  • Includes access to Smart Merchant eBook & Video download.

Reduce your annual costs by $1,000 or receive a full refund.


We were interested in trying to do this in-house but wanted to be absolutely certain that we got the best results so we opted for EP Consulting's Instruction & Coaching for the Do-It-Yourselfer. We are extremely glad we did. Knowing what we know now, we wouldn't have stood a chance at getting anywhere near the savings that we were able to achieve after learning the ins-n-outs of merchant account processing. We are on track to add over $30,000 to our bottom line as a direct result of this program.
Steve Jarrell, CEO of

Option #5 - Have Experts Do It For You.

Engage an expense management company to minimize this cost for you. Preferably a company that specializes in this particular expense category. That is what EP Consulting does. We become your in-house experts to manage and minimize this cost for you so you can focus on your core business. We are only compensated according to our results, so you invest 0 dollars and 0 time to achieve maximum savings and peace of mind. We earn 50% of the realized savings that we deliver, while giving you a clear straightforward way of quantifying the savings...guaranteed!

If you don't have the time or desire to become an expert in the payment processing business, you don't have to, we do it for you.

If you don't have the expertise or the interest to manage your Interchange qualifications, you don't have to, we do it for you.

If you don't have the time or interest to stay up to date on emerging technologies, products and services within the payments industry, that's ok, we do it for you.

If you don't want to place your trust in processing companies who have a vested interest in making as much from you as possible, that's ok, we will keep them honest.

The more you save, the more we make, so our interests are perfectly aligned with yours. If you'd rather have EP Consulting handle everything for you, then click here to learn more.